China's financial market is developing rapidly;digital finance drives continuous innovation in finan-cial products.In the current regulatory environment,the disorderly sales of financial products are repeatedly prohibi-ted,and financial institutions should ensure that the financial products sold are suitable for customers,thus forming the appropriate obligations of financial institutions to investors.However,the theoretical understanding of the suita-bility duty is ambiguous,the positioning of the rules is unclear,and the judgment standards are complex,causing the legal relationships vaguely and the judicial review superficially.Therefore,it is necessary to clarify the theoretical logic of the suitability duty,compare responsibility models using the analysis method of law and economics,construct a legal system of the suitability duty with the principle of good faith,and introduce digital financial variables to form a differentiated responsibility allocation mechanism.
关键词
适当性义务/金融稳定法/数字金融/金融监管/诚实信用原则
Key words
Duty of appropriateness/Financial stability law/Digital finance/Financial regulation/Principle of good faith
维普
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